My complaint concerns* Select a subjectcomplete refusal to pay compensation or benefitsthe amount of compensation or benefits paid or scheduled to be paiddelays, untimely claims settlement, or untimely payment of compensation or benefits, or failure to provide relevant information during the claims handling processrefusal to grant or obstruction of access to claim filesthe insurer’s failure to provide adequate information or insurance product documentation, or failure to properly assess the customer’s needs; or the insurance intermediary’s failure to provide documents or statements submitted by the customerfailure by an insurance intermediary to provide adequate information or insurance product documentation, or failure to properly assess the customer’s needswording of a standard contract that is unclear or unlawfulthe establishment or modification of material terms of the contract (insurance coverage, guaranteed amount, premium, costs, fees) in a manner inconsistent with the law, the terms of the contract, or the policyholder’s wishesrefusal to enter into or continue an insurance contractincorrect determination, refusal to refund, or unjustified collection of the premiumincorrect determination, refusal to refund, or unjustified collection of a recourse claimfraud or conducting business without the required license by an insurance company or an insurance intermediary, or the lack of the required civil liability insurance policy for an insurance intermediaryfailure by the insurer to submit data to the applicable registries, or submission of incomplete dataan incomplete or untimely response to a complaintunjustified disclosure of personal data, or a breach of agency, brokerage, or insurance confidentialityirregularities in the cancellation of an insurance contract, withdrawal from insurance coverage, or termination of an insurance contracta conflict of interest regarding insurance distribution or investment activitiesmalfunction of ICT systems made available to customers or insurance intermediariesreservations regarding the content of information published by the insurer (websites, media, press, advertising materials)other reasonsfailure to specify a clear basis for the complaint